<p><em>The determination of a public policy is of course always faced with the problem of budget constraints which often puts the government in a trade-off situation which is defined as a dilemma condition that makes it difficult to make choices in determining priorities. This is what makes many policies that are not effectively implemented. The neglect of community expectations has resulted in negative reactions ranging from acts of violation even to anarchy that leads to crime. For this reason, it is deemed very important for the government to have a strategy in setting a priority scale so that a policy is more beneficial to people's lives, not just focusing on legal certainty. For this reason, the main problem is related to the efforts of the Regional Government in determining the priority scale so that an implementation of public policy is truly on target.</em></p><p><strong> </strong></p><p><strong>Keywords</strong>: <em>Budget Constraint, Trade off, priority scale</em></p>

The progress of technological innovation in the era of globalization was so quickly. The digital technologi gives special colour in the financial business sector. During the pandemic, a lot of people switch use online transactions because of the implementation of restrictions community activities system applicate by the government. Behind the high growth graph, it turns out that in practice financial tecnology (fintech) are reaping various polemics in the community. The lack of knowledge of digital financial literacy has resulted in many citizens being entangled in the dynamics of illegal fintech lending cases. The fintech requires Bank Indonesia and the Financial Services Authority carry out intensive supervision of the legality of digital financial innovation companies through the Regulatory Sandbox mechanism. This article uses normative legal research as a reference basis in determining legal procedures related to the polemic of Fintech-based innovation companies in Indonesia. The analytical method used is qualitative and described descriptively. The results of this study are to find out the harmonization of BI and OJK authorities through the implementation of the Regulatory Sandbox mechanism by establishing PBI No.19 /12 /PBI /2017 and POJK No. 13/ POJK.02/ 2018 as the legal basis for the legalization of fintech innovations before they are widely circulated in the community.

Perdagangan global telah melahirkan keberadaan pasar global yang bersifat crossborderless. Maka, aktifitas di dalamnya akan sangat sulit dijangkau oleh hukum nasional yang dibatasi oleh wilayah yurisdiksi pemberlakuannya. Melalui teknologi Blockchain, diharapkan lebih mampu mengoptimalisasi perlindungan data bagi investor Indonesia yang melakukan aktifitas perdagangan di Pasar Global. Apalagi teknologi ini bukan merupakan hal baru diantara negara-negara pelaku perdagangan dunia, khususnya di Bursa Berjangka yang merupakan salah satu bentuk Pasar Global yang ada. Melihat pada sulitnya pembuktian dalam kasus-kasus di Bursa Berjangka dan pemblokiran situs Pialang yang dirasa kurang memberikan perlindungan hukum bagi investor Indonesia yang telah terlanjut melakukan deposit dana, maka diharapkan pengembangan teknologi Blockchain akan menjadi solusi bagi situasi ini. Hal tersebut sangat menarik untuk diteliti dan dianalisis lebih lanjut melalui rumusan permasalahan yaitu Bagaimana teknologi blockchain dikatakan mampu memberikan perlindungan hukum yg lebih optimal bagi investor di bursa berjangka komoditi atau bagi pihak manapun sekaligus pemerintah? Dan Bagaimana rancangan penerapan teknologi blockchain ke dalam regulasi Indonesia? Penelitian ini akan dilakukan dengan menggunakan metode penelitian normatif, dengan pendekatan pendekatan perundangundangan, pendekatan konseptual, dan pendekatan kasus

Penyelenggaran Pemerintahan Desa akan tersusun dan terarah dengan baik bahkan lebih maju apabila di berbagai lapisan masyarakat desa memiliki kesadaran terhadap Pemerintahan Desa yang di dampingin Badan Pemusyawaratan Desa (BPD). Sehingga seluruh masyarakat akan terwakili kepentinganya untuk mencapai Pemerintahan Desa yang demokratis, jujur, bersih dan bebas dari KKN. Dengan demikian penyelenggaraan Pemerintahan Desa termasuk Desa Marga Dauh Puri haruslah mengacu pada peraturan pemerintah yang ditetapkan yakni sesuai dengan Undang-UndangNo23 Tahun 2014 TentangPemerintahan Daerah, Undang-UndangNomor 6 Tahun 2014 TentangDesa, Undang-Undang No 12 Tahun 2005 Tentang ICCPR  dan Permendagri Nomor 110 Tahun 2016, Pasal 32 Tentang Badan Pemusyawaratan Desamengingatkan adanya sistem pemerintahan agar lebih efektif dan efisien serta demokrasi. Penelitian ini menggunakan metode Penelitian Hukum Empiris yang akan mendeskripsikan Tugas dan Fungsi Badan PemrusyawaratanDesa dalam menjunjung tinggi nilai demokrasi di Desa Marga DauhPuri. Penelitian ini menggunakan metode penelitian hukum empiris. Setelah data terkumpul maka dilakukan analisis dengan menggunakan pendekatan perundang-undangan. Hasil dari penelitian ini menunjukan bahwa, dalam Undang-Undang Nomor 6 Tahun 2014 tentang desa pasal 55  dijabarkan tentang fungsi Badan Permusyawaratan Desa Sampai dengan saat ini BPD telah dapat menjalankan tugas dan fungsinya meskipun masih dalam taraf orientasi, terbukti sejak 2019-2022 BPD Bersama Pemerintah Desa Marga Dauh Puri telah berhasil membuat 28 Perdes , dan Pembangunan di Banjar Ole dan Banjar Kelaci. Dari hasil penelitian diatas peran BPD dalam menampung dan menyalurkan aspirasi masyarakat di Desa Marga Dauh Puri, semua jawaban menunjukkan kearah yang baik. BPD dituntut untuk melakukan perannya antara lain mengenalkan nilai-nilai demokrasi Pancasila kepada masyarakat desa pada umumnya dan pelaksanaan pemerintahan desa pada khususnya.

Looking at the times and society's need for a modern form of technology-based business, it is interesting to discuss the topic of startup companies. Moreover, this form of business is now considered part of the trend of digitizing trade. In addition, e-commerce is a form of trend in the digital sector and today's economic sector. This research aims to examine the role of big data and the protection of personal data in startup companies and the legal relationship in it, and to examine the regulations regarding consumer protection for startup company users in Indonesia. This research was conducted using a normative research method, with a statutory approach and a case approach with descriptive and evaluative techniques. The results of this research revealed that the role of big data in the startup company business, among others, is to support business competition by using big data through innovation. Not only for startup companies, but for all current and future business ventures as well as for the government in relation to public services. The parties in the startup business other than the company itself, including consumers and the government as legal authorities. All of them have their respective important roles. Consumer protection is now the responsibility of OJK, in addition to the legal umbrella in the form of regulations issued by the OJK, regulations set by Bank Indonesia can also be used as the only central bank that has the capacity to determine monetary policy. In addition, it is also regulated in the ITE Law, which even though it is not sufficient to protect consumers, it can at least provide legitimacy for the protection of consumer data.